Cheap Car Insurance in Indiana
Average Indiana car insurance premiums by company
| Company (click to see reviews) | Average annual premiums |
|---|---|
| Erie Insurance | $1,232 |
| Travelers Insurance | $1,385 |
| Farm Bureau | $1,395 |
| Farmers Insurance | $1,410 |
| The Hartford | $1,453 |
| Auto-Owners | $1,468 |
| Safeco | $1,474 |
| State Farm | $1,476 |
| AAA Insurance/Auto Club | $1,501 |
| American Family Insurance | $1,503 |
| Allstate | $1,512 |
| Nationwide Insurance | $1,523 |
| USAA (must have a military affiliation to apply) | $1,547 |
| The General | $1,549 |
| Progressive | $1,580 |
| Liberty Mutual | $1,586 |
| Esurance | $1,649 |
Insurance increase after a speeding ticket
Indiana drivers who got a speeding ticket see an average insurance increase of 23%, lower than the national average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Indiana | $1,485/year | $1,826/year | 23% |
| Nationwide average | 26% | ||
Insurance increase after an accident
Indiana drivers who caused an accident got an average insurance increase of 31%, lower than the national average increase.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Indiana | $1,485/year | $1,947/year | 31% |
| Nationwide average | 36% | ||
Average premiums in Indiana cities
| City | Average annual premium |
|---|---|
| Anderson | $1,465 |
| Bloomington | $1,516 |
| Columbus | $1,330 |
| Elkhart | $1,437 |
| Evansville | $1,605 |
| Fort Wayne | $1,466 |
| Gary | $1,699 |
| Greenwood | $1,447 |
| Hammond | $1,482 |
| Indianapolis | $1,545 |
| Jeffersonville | $1,529 |
| Kokomo | $1,505 |
| Lafayette | $1,388 |
| Merrillville | $1,505 |
| Mishawaka | $1,343 |
| Muncie | $1,397 |
| New Albany | $1,437 |
| Noblesville | $1,431 |
| South Bend | $1,505 |
| Terre Haute | $1,328 |
| Valparaiso | $1,510 |
Penalties for not having car insurance in Indiana
- First offense: Court may suspend the driver's license and/or registration for 90 days to one year
- Subsequent offense within five years: suspension of driver's license for one year or more
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 23, 2019